Side-by-side · Q2 2026 data
West Shore Bank vs Frankfort Community Federal Credit Union
Credit union
Frankfort Community Federal Credit Union
Frankfort, Michigan · Under $100 million in assets
Metric by metric
| Measure | West Shore Bank | Frankfort Community Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 69 (stronger) |
| Capital cushion | 48 | 94 (stronger) |
| Loan quality | 59 (stronger) | 0 |
| Earnings | 53 | 100 (stronger) |
| Funding & liquidity | 56 | 90 (stronger) |
| Problem-loan coverage | 81 (stronger) | 68 |
| Peer percentile | 13th | 38th |
| Total assets | $833.6M | $19.6M |
| Deposits / shares | $720.2M | $16.7M |
| Capital ratio | 9.85% | 14.38% (stronger) |
| Problem loans | 1.24% (stronger) | 3.83% |
| Net charge-offs | 0.00% (stronger) | 0.39% |
| Return on assets | 0.83% | 2.54% (stronger) |
| Loans ÷ deposits | 90.7% | 70.0% (stronger) |
| Uninsured deposits | 27.3% | 1.6% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Frankfort Community Federal Credit Union has the higher TellerScore (69 vs 56). On the 7 directional measures above (where higher or lower is clearly better), West Shore Bank leads on 2 and Frankfort Community Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Frankfort, MI